Individuals and Families
Individuals and Families face three financial issues throughout their life: Retirement Planning, Risk Management and Wealth Transfer. Some have the additional burden of Education Funding.
Retirement planning refers to accumulating assets for a future income need and then distributing those assets to help fund the lifestyle you want. By taking the time to get to know you your needs and goals, we can determine how much you will need to retire comfortably, inform you how to make the most of your employer-sponsored retirement plans and IRAs and how to best manage your assets before, as well as during, retirement.
Risk management is the systematic process of understanding, evaluating and addressing risk to maximize the chances of objectives being pursued, and financial independence sustained. We will review existing insurance policies in order to determine if a policy change is needed. We will work hard to find the best policy for your individual set of circumstances including life, disability and long term care. We are fully aware that many cases are tricky and challenging. We work harder than anyone to get the job done and give you the confidence that proper coverage brings.
Wealth transfer is planning for the orderly distribution of whatever is left to your loved ones when you pass away. We will review your wills and trusts in coordination with your tax and legal advisors and help ensure you preserve your estate for your intended heirs, help you reduce exposure to estate taxes and probate costs, and assist with beneficiary designations. If need be, we can also provide you with referrals to the outside professionals we work with which include accountants, trust and estate attorneys, mortgage consultants and property and casualty insurance professionals.
Education Funding helps you save for and fund your child’s future educational needs. We will work with you to review the various strategies, eligibility and benefits of Coverdell Education Savings Account (ESA), 529 Plans and Custodial Accounts and help you make the best informed decision on how to invest in your child’s future.
Our job is to get to know you, your hopes, dreams and worries and then work to help you build a secure and sustainable financial future. We bring our unique perspective to help you understand which vehicles are available and prudent for your particular situation. We then strategize, implement and integrate the most beneficial strategies for your needs. We are committed to helping you work toward achieving and maintaining your financial goals.